Every 10-Q that USCB Financial Holdings, Inc. (USCB) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow USCB and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full USCB filings page.
USCB Financial Holdings reported stronger Q2 2026 results, with net income of $9.1 million (dollars in thousands) and diluted EPS of $0.49, up from $8.1 million and $0.40 a year earlier. Net interest income rose to $24.4 million, and net interest margin expanded to 3.49% from 3.28%, helped by loan growth and lower deposit costs.
Total assets surpassed $3.0 billion, up 11.0% from June 30, 2025. Loans held for investment reached $2.32 billion, while deposits were $2.45 billion, both higher year over year. Asset quality remained solid: the allowance for credit losses was $26.7 million (1.15% of total loans) and non‑performing loans were 0.09% of total loans, with lower charge‑offs than in 2025.
Capital levels stayed comfortably above “well‑capitalized” thresholds, with total risk‑based capital ratios of 13.88% for the company and 13.68% for the bank. Tangible book value per share was $12.64, while share repurchases and $0.25 per share in year‑to‑date dividends, plus another $0.125 dividend declared for Q3 2026, returned capital to shareholders.
USCB Financial Holdings, Inc. reported Q1 2026 net income of $9.4 million, up from $7.7 million a year earlier, with diluted EPS rising to $0.51 from $0.38. The improvement was driven by higher net interest income from a larger loan portfolio and lower average rates on interest-bearing liabilities.
Net interest income before provision increased 15.3% to $22.0 million, and net interest margin expanded to 3.27% from 3.10%. Loans held for investment reached $2.24 billion and deposits $2.49 billion, both reflecting solid growth. Annualized return on average assets was 1.34% and return on average stockholders’ equity was 17.07%, while the allowance for credit losses remained 1.16% of total loans and non-performing loans were 0.16% of total loans.
USCB Financial Holdings, Inc. reported stronger Q3 2025 results. Net income rose to $8.9M from $6.9M a year ago, with diluted EPS of $0.45 versus $0.35. Net interest income increased to $21.3M from $18.1M as loan interest and securities income improved, while the provision for credit losses decreased to $0.1M from $0.9M. The company declared a quarterly cash dividend of $0.10 per share.
Balance sheet growth was broad-based. Total assets reached $2.77B (from $2.58B at December 31, 2024), driven by loans held for investment of $2.11B and available-for-sale securities of $324.2M. Total deposits increased to $2.46B from $2.17B, while Federal Home Loan Bank advances fell to $11.0M from $163.0M. USCB issued $39.3M in subordinated notes and repurchased 2.0M shares in Q3, ending with 18,107,385 Class A shares outstanding. Nonperforming loans declined to $1.31M, and the allowance for credit losses stood at $25.0M.
USCB Financial Holdings (USCB) Q2-25 10-Q snapshot:
Net income rose 31% YoY to $8.1 m, lifting diluted EPS to $0.40. Net interest income jumped 22% to $21.0 m as interest expense was essentially flat, expanding margin despite an 8% larger funding base. Six-month profit reached $15.8 m (+46% YoY) and YTD dividends doubled to $0.20 per share.
Loans grew 7% year-to-date to $2.11 bn, deposits 7% to $2.34 bn, while FHLB advances fell 34% to $108 m. Total assets stand at $2.72 bn (+5%), and tangible book value climbed 8% to $231.6 m (~$11.54/sh). Operating costs increased 9%, but revenue growth pushed the efficiency ratio near 55%.
Credit quality remains stable: allowance coverage is 1.18% of loans after a $1.7 m YTD provision and $0.7 m charge-offs (20 bp annualized). CRE exposure is still high at 57% of the loan book.
Market-value pressures persist: unrealized losses total $47.2 m on AFS and $16.5 m on HTM securities, keeping AOCI at –$41.8 m. Cash balances declined to $54.8 m as excess funds were redeployed into loans and securities.
Outlook: Rising loan volume and disciplined deposit pricing support further earnings momentum, but rate volatility and CRE concentration remain key watch-points.